Tokens & Wallet Provisioning

A token is a virtual representation of a card number, created when the card is added to a digital wallet (Apple Pay, Google Pay) or saved on a merchant website. Each token typically corresponds to one device or service.

Token States

Status	Meaning
Active	Card successfully added and usable for payments.
Inactive	Card was added but not used, provisioning failed, or the card was removed from the wallet.
Deactivated	Card has been removed from the associated wallet or service.

Customer Cannot Re-add Card to Wallet

An inactive or failed provisioning attempt can block future add-card attempts.

Wirex can deactivate the affected tokens.
Once deactivated, the customer should be able to re-add the card.
Recommend the customer first unlinks the card from all wallets/websites where inactive tokens remain.

Card Not Added — 'Red Path' (Apple / Visa Provisioning)

This occurs when the Apple or Visa antifraud system (via Visa Provisioning Service) flags the customer's device as suspicious at the moment of tokenization, blocking provisioning.

Field	Detail
Root cause	Flagged by Visa Provisioning Service antifraud — not triggered by Wirex or the card's status.
Ability to override	Generally limited. Wirex cannot directly influence the decision, though some individual cases may be resolvable.

Recommended approach:

Each case must be reviewed individually — there is no universal fix.
Escalate to Wirex support with the customer's details for case-by-case review.
Do not tell the customer the issue can always be resolved — it is not guaranteed.